Combine Harvester Finance
Finance for self-propelled combine harvesters - all major makes. John Deere S/W series, Claas Lexion, New Holland CR/CX, Case IH Axial-Flow, and Massey Ferguson IDEAL on hire purchase or finance lease with seasonal payment options.
The right structure for every combine harvester requirement
New Combine Finance
Finance for new combines directly from dealerships. We compare manufacturer finance against our independent agricultural lending panel - the best rate for the machine you have chosen.
Used Combine Finance
Finance for used combines from dealer stock, private sales, and farm dispersal auctions. Specialist agricultural lenders who understand combine harvester residual values.
Hire Purchase
Own the combine at end of term. Fixed monthly or quarterly payments. Capital allowances claimable. Most arable farms use hire purchase for their combine.
Seasonal Payments
Lower payments in late summer before harvest income arrives. Higher payments after the harvest season. Specialist agricultural lenders structure combine finance around the harvest income cycle.
Finance Lease
Lower monthly cost. Suited to arable contractors who use the combine for multiple farms and want flexibility at the end of the lease term.
Shared Ownership Finance
Finance for combine harvester syndicates - two or three farmers sharing ownership of a single machine. We structure the finance to reflect the shared ownership arrangement correctly.
How it works
Combine details
Manufacturer, model, header size, year, hours on the main drive, and condition. New or used.
Terms sourced
Specialist agricultural lenders who understand combine values and the harvest cycle. Decisions within 24 hours.
Approval
Arable farms and agricultural contractors - seasonal income is fully understood by specialist agricultural lenders.
Settlement
We settle with the dealer, manufacturer, or private seller.
Ready to discuss Combine Harvester Finance?
Call 0204 6211776 or complete our enquiry form. Indicative terms typically within hours.
Frequently asked questions
Can I finance a combine with seasonal income?
Yes - specialist agricultural lenders offer seasonal payment structures that align with harvest income. This is standard practice in combine harvester finance.
Can two farmers jointly finance a combine?
Yes - combine syndicate finance is a specialist structure we arrange. The agreement reflects the shared ownership and proportional usage agreement between the parties.
What headers can be included in the finance?
Headers - grain headers, rape headers, and maize headers - can typically be included in the same facility as the base combine, treated as a combined asset.
What is the finance term for a combine harvester?
Typically 4-7 years depending on the machine's age and value. Seasonal payment structures are built into the term.
Can I refinance an existing combine to release capital?
Yes - owned combines in good condition are strong refinance assets. We arrange sale and leaseback for arable farms needing capital for other farm investments.
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Before you commit to a structure
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